Miscellaneous Health Care Facilities

Medical Spas

The Medical Professional Division offers a program for Medical Spas. We recognize the coverage needs of specialty spas with a wellness focus, as well as aesthetic and cosmetic spas. Coverage is written on a non-admitted basis through designated wholesale surplus lines brokers.

 

Coverage Offered

  • Professional Liability on a claims-made basis:
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    Non-physician employees are "insureds" under the policy
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    Coverage is automatic for Medical Directors’ administrative duties. Optional coverage for Medical Director’s clinic duties is available
    -  
    Coverage is available for physicians engaged in clinical patient care services
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    Standard form has "Incident sensitive" claim trigger
  • Prior acts and extended reporting periods available
  • Multiple locations/named insureds can be added to one policy as the business grows
  • General Liability may be included on an occurrence or claims-made basis
  • Coverage is available for incidental products liability
  • Management Service Organizations and other entities can be covered as “Additional Insureds”
  • Options available for defense costs within our outside of indemnity limits
  • Management Service Organizations and other entities can be added as "additional Insureds"
  • First dollar or deductibles offered
  • General Liability may be included on an occurence or claims-made basis
  • Standalone first layer excess coverage is also available when written over a carrier with an A.M. Best rating of "A-" or higher

 

Eligible Exposures

  • Aesthetic/Cosmetic
  • Alternative/Complementary Medicine
  • Nutritional Counseling
  • Preventative Medicine
  • Stress Management
  • Weight Management

 

Ineligible Exposures

  • Spas without a physical Medical Director
  • Non FDA-approved treatments